Peoples Bank
Total assets
$2.04B
▼ -0.9% YoY
Deposits
$1.73B
▼ -1.3% YoY
Loans
$1.49B
▲ +1.4% YoY
Offices
24
FINWARD BCORP
ROA (annualized)
0.43%
peers 1.26%
ROE (annualized)
5.02%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +5.5% | -6.3 pts |
| Deposit growth (YoY) | -1.3% | +5.1% | -6.4 pts |
| Loan growth (YoY) | +1.4% | +5.9% | -4.5 pts |
| ROA | 0.43% | 1.26% | -0.8 pts |
| ROE | 5.0% | 12.2% | -7.2 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FINWARD BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 9204 Columbia Ave, Munster, IN, 46321
- County
- Lake
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 24
- FDIC cert #
- 29523
- RSSD ID
- 568470
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.04B | $1.73B | $1.49B | $176.9M | $4.4M | 0.43% | 3.26% | 0.90% |
| Q1 2026 | $2.01B | $1.72B | $1.44B | $171.2M | $2.3M | 0.45% | 3.26% | 0.71% |
| Q4 2025 | $2.02B | $1.73B | $1.43B | $173.5M | $8.1M | 0.40% | 3.04% | 0.69% |
| Q3 2025 | $2.05B | $1.75B | $1.46B | $164.4M | $6.2M | 0.40% | 2.97% | 0.76% |
| Q2 2025 | $2.06B | $1.76B | $1.47B | $153.2M | $2.6M | 0.26% | 2.91% | 0.74% |
| Q1 2025 | $2.04B | $1.75B | $1.48B | $150.3M | $477K | 0.09% | 2.85% | 0.69% |
| Q4 2024 | $2.06B | $1.76B | $1.49B | $150.0M | $12.2M | 0.59% | 2.55% | 0.73% |
| Q3 2024 | $2.08B | $1.75B | $1.49B | $157.7M | $10.1M | 0.64% | 2.51% | 0.73% |
Loan mix (Q2 2026): real estate $1.37B · commercial $101.3M · consumer $25.8M · securities $310.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% | 24th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 59.0% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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